TRICARE for Life

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TRICARE For Life (TFL) is Medicare wraparound coverage for TRICARE beneficiaries who have Medicare Part A and Medicare Part B, regardless of age or place of residence. With TFL, you have the freedom to seek care from any Medicare-participating or nonparticipating provider, or at a military hospital or clinic on a space-available basis. Enrollment is not required, but you must pay Medicare Part B premiums.

TFL is available worldwide, in the U.S. and its territories TFL pays after Medicare, in all other OCONUS areas TFL is the first payer.

What You Pay

You'll pay nothing out of pocket for services covered by both Medicare and TRICARE

for medical procedures covered by Medicare but not TRICARE (e.g. chiropractic services) you will be responsible for Medicare deductibles and cost shares

for medical procedures covered by TRICARE but not Medicare you are responsible for any TFL deductibles and cost shares

for medical procedures not covered by either TRICARE or Medicare (e.g. cosmetic surgery) you are responsible for the entire amount.

HOW TFL WORKS OVERSEAS

Medicare does not provide coverage outside the United States, U.S. territories (American Samoa, Guam, the Northern Mariana Islands, Puerto Rico, and the U.S. Virgin Islands), and ships in U.S. territorial waters. Therefore, TFL is your primary payer for health care received in all other overseas locations.. TFL generally provides the same coverage as TRICARE Overseas Standard and has the same deductible and cost-shares for beneficiaries who live or travel overseas.

Pharmacy

If you are enrolled in any TRICARE health plan you are automatically enrolled in a pharmacy program. There are 2 different pharmacy programs:

TRICARE Pharmacy Program - The TRICARE Pharmacy Program provides the prescription drugs you need, when you need them, in a safe, easy, and cost-effective manner.

TRICARE Maintenance Medications Program - All persons taking select maintenance medications must receive refills via TRICARE Pharmacy Home Delivery or use a military pharmacy instead of using retail pharmacies.

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